I was able to find a bit more info- it seems that if the sending person initiates the process, they can choose personal, living expenses, etc, for the transaction and it might be free. I originally did this as a money request to make it easier for my family member to send me money, but it seem that is not the best way to do it. I also have figured out that the money stayed in my "paypal balance" not directly to my checking, so I had to tell it to put the money into checking and there is a $500 limit on that. I guess I will just have to learn as I go.
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